Salary Calculator — Saudi Arabia
Calculate your monthly take-home salary in Saudi Arabia. Enter basic salary, housing, transport, and other allowances, plus any deductions, to see gross salary, net take-home, and annual salary. Saudi Arabia has no personal income tax, so take-home is close to gross — but GOSI and other deductions may apply.
Tax and GOSI in Saudi Arabia
Saudi Arabia has no personal income tax for employees. This is one of the biggest draws for expatriates working in the Kingdom. However, GOSI (General Organization for Social Insurance) contributions are deducted for Saudi nationals, and certain fees apply to expat workers' dependents.
Saudi Nationals — 9.75% of basic salary is deducted for GOSI (social insurance). Employers pay an additional 11.75% (total 21.5% of basic salary goes into the pension and insurance scheme).
Expatriates — 2% of basic salary for occupational hazard insurance. Employers pay an additional 2%. No pension contribution (expatriates get an end-of-service benefit instead).
Expat dependent fee — SAR 400 per month for each dependent (spouse and children), charged to the employer but often passed to the employee via salary deductions. Not included in this calculator automatically — add to deductions manually if applicable.
Salary Calculator Formula
Gross = Basic + Housing + Transport + Other Allowances
GOSI = Basic × (9.75% Saudi / 2% Expat)
Net = Gross − GOSI − Other Deductions
Annual = Gross × 12
Worked Example
Expatriate employee with basic SAR 15,000, housing SAR 5,000, transport SAR 2,000:
Gross = 15,000 + 5,000 + 2,000 = SAR 22,000
GOSI (2% of basic) = SAR 15,000 × 2% = SAR 300
Net = 22,000 − 300 = SAR 21,700
Annual = 22,000 × 12 = SAR 264,000
Saudi national employee with same numbers:
GOSI (9.75% of basic) = SAR 15,000 × 9.75% = SAR 1,462.50
Net = 22,000 − 1,462.50 = SAR 20,537.50
The Saudi national pays more into GOSI but builds pension entitlement; the expatriate gets end-of-service benefit at the end of employment.
Frequently Asked Questions
Is there income tax in Saudi Arabia?
No. Saudi Arabia does not impose personal income tax on salaries, wages, or allowances for employees — regardless of nationality. This is one of the most attractive features of the Saudi labour market. Corporate income tax applies to businesses (20% on foreign companies, Zakat on Saudi/GCC companies), but individual employees pay no income tax.
What is GOSI?
GOSI (General Organization for Social Insurance) is the social insurance system in Saudi Arabia. It covers pension, disability, death, and occupational hazard insurance. Saudi nationals contribute 9.75% of basic salary (employer pays 11.75%, total 21.5%). Expatriates contribute 2% of basic salary for occupational hazard insurance only. GOSI contributions are mandatory for covered employees.
What is end-of-service benefit?
End-of-service benefit (EOSB) is a lump sum paid to employees when their employment ends — based on final salary and years of service. Expatriates typically receive half a month's salary per year for the first 5 years and one month's salary per year after that. Saudi nationals receive similar benefits under the Labour Law. This is separate from salary — it is paid in addition, at the end. Use the End of Service Benefit Calculator for details.
What is the expat dependent fee?
The expat dependent fee (also called "levy" or "iqama fee") is a monthly charge of SAR 400 per dependent (spouse and children over 18) for expatriate workers. The fee is levied on the employer, but many employers pass it to the employee via salary deductions or reduce salary offers to account for it. As of 2024-25, this fee is SAR 400/month per dependent. Add to deductions manually if your employer deducts it from salary.
Is housing allowance taxable?
No — like all other allowances in Saudi Arabia, housing allowance is not subject to personal income tax (there is no income tax). However, GOSI contributions are calculated on basic salary only, not on housing or other allowances. So a higher portion of housing allowance means lower GOSI deduction for Saudi nationals.
Does this calculator include the expat levy?
No — the expat dependent fee (SAR 400 per dependent per month) is not included automatically. This is because it varies by family size and employment contract. If your employer deducts the levy from your salary, add the total (SAR 400 × number of dependents) to the "Monthly Deductions" field. If your employer pays the levy, do not include it. Check your employment contract.